Credit Analyst

Navitas Credit; Ponte Vedra Beach (FL); On-site; USD 70,000 - 95,000; Full time

Job summary

Navitas Credit seeks a highly analytical Credit Analyst to evaluate credit risk in commercial equipment financing and leasing. You will review financial statements, borrower and guarantor profiles, and discuss credit structures with Sales and Credit leadership to balance risk and growth.

The role requires at least 5 years in commercial lending or equipment finance, strong Excel and financial modeling, excellent judgment, and clear communication with brokers and internal teams.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field preferred; or equivalent combination of education and relevant experience.
• Minimum of 5 years of experience in commercial lending, equipment finance, leasing, banking, or credit underwriting.
• Proficiency in Microsoft Office Suite, including strong Excel skills.
• Previous equipment leasing/loan industry experience required
• Strong analytical and problem-solving abilities
• Excellent mathematical and financial modeling skills
• Highly organized with exceptional attention to detail
• Ability to prioritize, multitask, and work efficiently under tight deadlines
• Sound judgment in complex and non-standard scenarios
• Effective communication skills, including delivering difficult decisions professionally. Must be able to resolve problems from both internal and external sources.
• Ability to collaborate across teams and manage competing stakeholder needs.

Responsibilities

• Analyze financial statements, tax returns, credit reports, Dun & Bradstreet reports and other third party information to determine the borrower's creditworthiness.
• Responsible for supporting the flow side of the platform.
• Complete financial spreads and PD templates as required by Navitas' credit policies.
• Routinely engage with sales associates, sales management, funding and booking teams, and customer service.
• Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or leadership approval.
• Maintain existing broker relationships. Assist with the development, implementation, and updating of broker programs
• Review funded transactions as required for auditing purposes

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field

Minimum of 5 years of experience in commercial lending, equipment finance, leasing, banking, or credit underwriting

Tools

Microsoft Excel

Job description

At Navitas Credit, our success is built on the strength of our people. We are guided by superior knowledge, a passion for delivering quality service, and the trust we have earned from our indirect and direct partners, as well as our team members.

We are seeking a highly analytical and detail-oriented Credit Analyst to evaluate and assess credit risk for commercial equipment financing and leasing transactions. This role is responsible for reviewing financial information, analyzing borrower and guarantor credit profiles, recommending credit structures, and making sound lending decisions within assigned authority levels. The Credit Analyst serves as a key partner to Sales, Operations, and Credit leadership by balancing risk management with profitable growth objectives.

The ideal candidate possesses strong financial analysis skills, sound business judgment, and a thorough understanding of commercial lending and equipment finance. The successful candidate will be comfortable evaluating both standard and complex transactions, communicating credit decisions professionally, and building strong relationships with brokers, vendors, and internal stakeholders.

The Credit Analyst will report directly into the Director of Credit.

Education & Experience:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred; or equivalent combination of education and relevant experience.
• Minimum of 5 years of experience in commercial lending, equipment finance, leasing, banking, or credit underwriting.
• Proficiency in Microsoft Office Suite, including strong Excel skills.
• Previous equipment leasing/loan industry experience required
• Strong analytical and problem-solving abilities
• Excellent mathematical and financial modeling skills
• Highly organized with exceptional attention to detail
• Ability to prioritize, multitask, and work efficiently under tight deadlines
• Sound judgment in complex and non-standard scenarios
• Effective communication skills, including delivering difficult decisions professionally. Must be able to resolve problems from both internal and external sources.
• Ability to collaborate across teams and manage competing stakeholder needs.

Responsibilities:

• Analyze financial statements, tax returns, credit reports, Dun & Bradstreet reports and other third Party information to determine the borrower's creditworthiness.
• Responsible for supporting the flow side of the platform.
• Complete financial spreads and PD templates as required by Navitas' credit policies.
• Routinely engage with sales associates, sales management, funding and booking teams, and customer service.
• Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or leadership approval.
• Maintain existing broker relationships. Assist with the development, implementation, and updating of broker programs
• Review funded transactions as required for auditing purposes

Position Type

• This is a full-time position.

Supervisory Responsibilities:

Travel:

• No travel is needed for this role.

Disclaimer and Working Environment:

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

This position description is intended to describe the essential functions and general nature of the position and is not intended to be an exhaustive list of all duties, responsibilities, or qualifications. Management reserves the right to modify, assign, or remove duties and responsibilities at any time consistent with business needs. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position.

This position is classified as primarily sedentary and generally requires prolonged periods of sitting, as well as occasional standing, walking, bending, reaching, stooping, and use of hands and fingers to operate office equipment. The position may occasionally require lifting, carrying, pushing, pulling, or moving items weighing up to 20 pounds.